Chapter 1014: Complex situation

Such confusion, until the "Kylin Daily" analysis article came out, everyone understands what is going on.
It turned out that the main force of this panic buying wave was actually the employees of the Kirin Group! !
In the Kirin Group, it is not just business and entertainment. With the addition of their workers, the Kirin Group has a total of more than 28,000 employees, which belongs to the top three companies in the number of employees in Xiangjiang.
The largest number of them is naturally Kirin Construction Company, Kirin Printing Company under Kirin Culture, and Kirin Toy Company. The three companies have more than 25,000 people.
Basically 95% of these people are people from the Mainland, usually those who have come to swim in the past 2 years.
In addition to the uniform training of the Kirin security team, so they live in the dormitory building of the Kirin Industrial Park, most of the three companies previously lived in houses built by farmers around Tianshuiwei and Yuen Long.
The environment cannot be said to be too bad, but at most the family is about 300 square feet of living area, and the large number of people makes it crowded.
Therefore, they have long been planning to buy a home, but before Xiangjiang's house prices have been rising, they are all watching, hoping to cut prices a little more.
Suddenly house prices have dropped sharply, and some of the first people in this group to work in the Kirin Group can't help it. First, there were dozens of tentative people who started, and then hundreds of people. Now it has become a number. Thousands of people in the New Territories, Yau Tsim Mong, Ngau Tau Kok and other areas, go to see the house everywhere, hoping to buy a more affordable and more convenient house.
Wait a minute!
How can they have money to buy a house?
The predecessor of the Kirin Group, Kirin Culture, began to appear, but it was only two years ago in September 1979. At that time, the first issue of "Kirin Weekly" was published, which marked the emergence of the Kirin Group.
Is full of money, their establishment is only just two years.
How can you say that the Qilin Group's treatment is good? For the past two years, the workers averaged 4,000 yuan a month. Is that enough?
That is only a base salary of 96,000 yuan, and the bonus will not exceed 120,000?
Moreover, the 120,000 cannot be fully used to buy a house. The family ’s food and drink must be deducted from it.
The Kirin Group has regulations. In order to satisfy more families coming to Xiangjiang, only one person in your family can work in the factory of the Kirin Group.
Even two single men and women who didn't know each other, because they were ready to get married after looking right, then one person must leave.
Although this is cruel and unfair, it guarantees to the greatest extent that more families from the Mainland can come to Xiangjiang to survive. This is the greatest compassion.
Therefore, even if they can make money, they can't go beyond this number.
Based on the current price of Xiangjiang, the average price of the urban area on Hong Kong Island and Yau Tsim Mong is about 1300 yuan per square foot. Expanding the scope to Quanxiangjiang, the price will not be less than 800 yuan per square foot.
Usually a family of three people live in a house with a minimum of 300 square feet, which is about 27.87 square meters, which is 240,000.
The difference between 120,000 and 240,000 is half.
If you want to buy a house, then there is only one way, that is a loan.
But now Xiangjiang's bank mortgage loan interest rate has reached an astronomical figure of 21%, and the severity of the bank's loan eligibility review is also known as the strongest in history. Many white-collar workers in large companies cannot get loans. They come to Xiangjiang but How can a newcomer in one or two years pass the bank's review?
The result is really unexpected.
These people are indeed loans to buy a house, and all of them are very smoothly loaned.
Gave them loans to Xiangjiang Commercial Bank and ... and the famous HSBC Bank.
As soon as the names of the two banks came out, everyone suddenly realized.
The relationship between Xiangjiang Commercial Bank and Yin Jun is known to everyone in Xiangjiang.
Yin Junneng started his business by relying on 10 scripts to mortgage 50 million Hong Kong dollars.
As of now, Yin Jun's script can't be bought for 5 million, but in 1978, Yin Jun's script was about 1 million.
However, Chen Youhan, the chairman of Xiangjiang Commercial Bank, had the courage. Yin Jun wanted 30 million, but he directly gave 50 million.
This investment was really silly at the time.
But when this matter was revealed two years later, everyone was envious of jealousy and hatred. This Chen Youhan really did a profitable business!
He helped Yin Jun take the first step in business, so almost all of Yin Jun ’s loans and funds were placed in Xiangjiang Commercial Bank, and as Yin Jun became more and more famous, Xiangjiang Commercial Bank The reputation has grown greatly, and gradually developed from a mid-level bank into the top 20 commercial banks in Xiangjiang, which is definitely a big step forward.
The most important thing is that Chen Youhan also gained Yin Jun's friendship.
At the speed of Yin Jun's development, even Mr. Huo and Dong Chuanwang have said that he can become the richest man in Xiangjiang in at most 10 years, and the richest man in Asia will be no problem 20 years later.
Has such a very powerful friend, Chen Youhan need not worry about anything in his life.
Of course, on the other hand, Chen Youhan is also very supportive of Yin Jun ’s career. In the past, Yin Jun ’s mortgage loans were used to purchase stocks of various companies, etc. He tried his best to help, so Yin Jun ’s Success, Chen Youhan also made great contributions.
The relationship between the two is so hard. You said that the employees of Yin Jun went to Xiangjiang Commercial Bank for a loan. How could they not pass the audit?
Similarly, Yin Jun is also a non-executive director of HSBC, and has a close relationship with Shen Bi. He borrowed an astronomical figure of US $ 3.2 billion from HSBC to acquire US industry.
Such a person outside of his own patronage, of course, HSBC will take care of one or two.
However, this made many Xiangjiang people unhappy.
Especially for HSBC, the largest bank in Xiangjiang, it was very unsatisfactory to issue loans to the workers of Kirin Group.
Because many people think that their qualifications are much better than those of Kirin Group workers.
"Shady! Absolutely shady!"
"My loan application was only returned yesterday, how could their application be so easy?"
"I am a senior management talent who has worked in XX firm for 15 years! My annual salary exceeds 200,000, and my work and family have always been very stable. But HSBC still said that I am not suitable ... I am not suitable, people from Kirin Group Will it fit? Are they all Yin Jun, Le Yiling, Huo Jianning? Are they all Liang Shuyi? "
"Oh, HSBC! You all open the back door to others like this, how can you be respected?"
"Yin Jun really has a hand in hand, so that he can benefit his employees. I really look forward to becoming an employee of Yin Jun!"
"Don't look at how they are jumping right now, it's not necessarily what the house price is. When you buy the highest peak, you should cry!"
"......"
Faced with the constant vomiting of the citizens, HSBC Bank and Xiangjiang Commercial Bank did not allow this trend to spread.
They quickly took out the announcement.
The first point is that the employees of the Kirin Group come up with the 20-year contract signed by the Kirin Group and them. This long contract may be an exploitation in ordinary factories, but in the Kirin Group, it is instead It is a guarantee that can guarantee their work and income in the next 20 years.
And this happens to be the guarantee most needed for bank loans.
Mortgage loan means that you can repay on time every month.
With the income of Kirin Group, are they still worried about the loan?
The second point is also the most important point.
The employees of the Kirin Group, their guarantee person, is the Kirin Group.
With the big business of the Kirin Group, Ken is personally guaranteeing their loans. What else do you think the bank is worried about?
These employees are at most 20,000 or 30,000. Even if each person has a loan of 300,000, it can only be up to 9 billion Hong Kong dollars.
The current market value of the Kirin Group, although loans account for more than 14 billion Hong Kong dollars, but its net assets have already exceeded 5 billion, and the liability for defaults on these loans is more than enough.
Moreover, the loan is also secured. Even if the house they buy now is worthless, should there be some half of the market value in the future?
Calculate so carefully, the bank can not lose money, but can get tens of thousands of quality customers!
With this announcement, those who are slandering are finally quieter.
What else can you say?
Not only are the conditions so good, but the key lies in Yin Jun guaranteeing them. A top five rich person in Hong Kong personally guarantees. How could you say that the bank could not agree?
Their bank just wants to suppress house prices, definitely not want to do business!
Such a potential tens of thousands of high-quality customers, how can banks not like it?
Actually, these people didn't think that apart from the first point being right, the second point was purely an urgent discussion between the two major banks and Yin Jun to deal with the common people's tricks.
The most important thing is that this is not Yin Jun ’s original intention, nor the bank ’s own meaning, but from MacLehose.
These few days of embarrassment have not only suppressed the stock market's continuous plunge, but also the property market is about to collapse, which makes Xiang Jiangzhen's government panic.
Once the property market of Xiangjiang collapsed, the blow to Xiangjiang was more than ten times the impact of this shift. The wave of the people!
Hundreds of thousands of people will all fall into a situation where their lives are in trouble and their assets are seriously shrinking.
This is not a joke, it is likely to cause riots! !
香江 政. The government wanted to suppress housing prices, but I never thought about finishing it! ! !
It was at this time ~ EbookFREE.me ~ MacLehose discovered that there was a group of "big heads" who came out to pick up cheaply, and this group of people were actually employees of the Kirin Group.
Isn't this the most important factor for the stable market I need?
Not to mention others, just 10,000 people in the Kirin Group employees come to buy a house, that is definitely the power to stabilize the universe!
The property market is like this. Once someone starts to enter the market, and many people continue to buy a house, it is easy to affect the people's psychology.
Once these people are stabilized, the property market can be stabilized without falling into a crash.
So, MacLehose personally called Shen Bi and asked him to ask HSBC to help and give these people loans.
Shen Bi is an old friend of MacLehose, and naturally gave him this face. This is the case when HSBC Bank entered the board. Otherwise, according to the conditions of the Kirin Group, it was actually not enough.
Then, after these disputes came out, MacLehose called Yin Jun again and asked him to perform a show with HSBC and Xiangjiang Commercial Bank, announcing the Kirin Group as a guarantee, to show the people of Xiangjiang.
So, finally, there was this announcement that everyone saw. ...

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